They Grow Up Fast Make Sure Their Money Skills Do Too STUDENT CHECKING ACCOUNT Available to students 13 to 25 years of age. Applicants under age 18 may be required to open account jointly with a parent, legal guardian, or other adult. No minimum monthly balance No minimum deposit to open No monthly maintenance fees FREE ATMS NATIONWIDE' (es ACCESS TO ZELLE°2 Provides a fast, easy way to send and receive money. A CARD OF THEIR OWN SCAN OR VISIT bankstcharles.com/studentchecking ST. CHARLES BANK & TRUST COMPANY, N.A. A WINTRUST COMMUNITY BANK 2825 Foxfield Rd. | 411 W. Main St. | St. Charles, IL bankstcharles.com 1. ATM Fees. No Wintrust Financial Corporation ('WTFC') transaction charge at ATMs in the Allpoint, ATM Access (Town Bank customers only), MoneyPass, or Sum networks. Banks outside the network may impose ATM surcharges. Up to 5 surcharge fees assessed by owners of ATMs outside the network will be reimbursed each statement cycle. Reimbursement excludes 1.10% International Service fee for certain foreign transactions conducted outside the continental U.S. 2. Zelle. Zelle is intended for sending money to people and businesses you trust. Dollar & frequency limits apply. Transactions between enrolled consumers/users typically occur in minutes. To send r receive money with Zelle, both parties must have an eligible checking or savings account. Zelle & the Zelle related marks are wholly owned by Early Warning Services, LLC & are used herein under license. Member FDIC EQUAL HOUSING LENDER They Grow Up Fast Make Sure Their Money Skills Do Too STUDENT CHECKING ACCOUNT Available to students 13 to 25 years of age . Applicants under age 18 may be required to open account jointly with a parent , legal guardian , or other adult . No minimum monthly balance No minimum deposit to open No monthly maintenance fees FREE ATMS NATIONWIDE ' ( es ACCESS TO ZELLE ° 2 Provides a fast , easy way to send and receive money . A CARD OF THEIR OWN SCAN OR VISIT bankstcharles.com/studentchecking ST . CHARLES BANK & TRUST COMPANY , N.A. A WINTRUST COMMUNITY BANK 2825 Foxfield Rd . | 411 W. Main St. | St. Charles , IL bankstcharles.com 1. ATM Fees . No Wintrust Financial Corporation ( ' WTFC ' ) transaction charge at ATMs in the Allpoint , ATM Access ( Town Bank customers only ) , MoneyPass , or Sum networks . Banks outside the network may impose ATM surcharges . Up to 5 surcharge fees assessed by owners of ATMs outside the network will be reimbursed each statement cycle . Reimbursement excludes 1.10 % International Service fee for certain foreign transactions conducted outside the continental U.S. 2. Zelle . Zelle is intended for sending money to people and businesses you trust . Dollar & frequency limits apply . Transactions between enrolled consumers / users typically occur in minutes . To send r receive money with Zelle , both parties must have an eligible checking or savings account . Zelle & the Zelle related marks are wholly owned by Early Warning Services , LLC & are used herein under license . Member FDIC EQUAL HOUSING LENDER